I am 23 year old Ivy league graduate, now living and working in New York at an investment bank.  I'd like to borrow this amount to repay high-interest credit card debt accumulated during college.  I have approximately $3000 in credit card debt, and with this loan I will be able to reduce that to an amount that will greatly benefit my credit score going forward.  I have no delinquent payments on my credit report and my debt to income level is still under 10%.  Thank you in advance for your help.